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Glossary of Terms
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Glossary
Actual Cash Value:
cost to replace property minus allowance for property’s depreciation.
Binder:
legal agreement between an insurance buyer and an insurance company or its agent temporary insurance coverage until a policy is issued.
Direct Repair Program:
when collision shop and insurance company have contract to provide repairs to insurer’s claimants.
Direction to Pay:
allows insurer to pay someone other than the insured (for example, the repair shop) for repairs.
Endorsement:
an amendment to the policy.
Pre-inspection:
inspection required to be completed by an insured in order to obtain physical damage coverage on his or her policy.
Repair Certification Form:
explains claimant’s rights and obligations; certifies repair work has been completed; identifies repair shop and who made repairs; agreement that insured will allow insurer to re-inspect vehicle within reasonable period after form returned.
Surcharge:
additional amount charged due to at-fault violations/ accidents.
Total Loss:
when damage is so extensive that repair costs would exceed the total value of the vehicle or property.
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